TruCap Finance

Why is TruCap Finance Ltd falling/rising?

As of 09-Jun, TruCap Finance Ltd's stock price is at 5.55, showing a minor increase of 0.18%. Despite this uptick, the stock has significantly declined over various periods, with a year-to-date drop of 27.45% and a 57.50% decrease over the past year, indicating a bearish trend and reduced investor interest.

As of 09-Jun, TruCap Finance Ltd's stock price is experiencing a slight increase, currently at 5.55, with a change of 0.01 (0.18%) upward. However, this minor rise occurs in the context of a broader trend of significant decline in the stock's performance over various periods. Over the past week, the stock has fallen by 6.57%, and in the last month, it has decreased by 13.28%. Year-to-date, the stock is down 27.45%, and over the past year, it has plummeted by 57.50%. <BR><BR>Additionally, the stock has consistently underperformed compared to the benchmark Sensex, which has only declined by 10.34% over the same one-year period. Today's performance indicates that TruCap Finance is underperforming its sector by 2%. The stock is also trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, suggesting a bearish trend. <BR><BR>Investor participation has decreased, with delivery volume falling by 39.64% compared to the 5-day average, indicating reduced interest in trading the stock. While there is a slight uptick in price today, the overall indicators suggest that TruCap Finance Ltd is still in a downward trajectory.

Which are the latest news on TruCap Finance?

Should I buy, sell or hold TruCap Finance Ltd?

Are TruCap Finance Ltd latest results good or bad?

TruCap Finance Ltd's latest results are poor, with a 58.86% decline in net sales and a net loss of ₹19.18 crores, marking four consecutive quarters of losses. The company's financial outlook is bleak, leading to a "STRONG SELL" rating due to severe operational challenges and excessive leverage.

TruCap Finance Ltd's latest results are decidedly poor. The company experienced a catastrophic decline in net sales, which plummeted by 58.86% year-on-year, falling to ₹14.55 crores from ₹35.37 crores. This significant drop in revenue coincided with a dramatic widening of operating losses, leading to a net profit after tax margin of -131.82%. <BR><BR>In the most recent quarter, the company reported a net loss of ₹19.18 crores, a stark contrast to the profit of ₹0.96 crores it achieved in the same quarter the previous year. This marks a troubling trend, as TruCap Finance has recorded losses for four consecutive quarters, totaling over ₹100 crores. <BR><BR>The financial metrics indicate severe operational challenges, with interest costs consuming an unsustainable 142.40% of quarterly sales. Additionally, the return on equity has dropped to -100.78%, reflecting a complete destruction of shareholder capital. <BR><BR>Overall, the results highlight a company in distress, with no clear path to recovery or profitability in sight. The outlook for TruCap Finance appears bleak, and the stock is rated as a "STRONG SELL" given its ongoing financial deterioration and excessive leverage.

When is the next results date for TruCap Finance Ltd?

The next results date for TruCap Finance Ltd is 25 May 2026.

The next results date for TruCap Finance Ltd is scheduled for 25 May 2026.

Is TruCap Finance overvalued or undervalued?

As of December 4, 2025, TruCap Finance is considered overvalued at a price of 8.58, with unfavorable financial ratios and a year-to-date return of -50.12%, significantly underperforming compared to its peers and the Sensex.

As of 4 December 2025, the valuation grade for TruCap Finance has moved from risky to expensive. This indicates that the company is overvalued at its current price of 8.58. Key ratios highlight this valuation concern, with a PE ratio of -0.94, an EV to EBIT of -5.98, and a ROE of -100.78%. <BR><BR>In comparison to its peers, TruCap Finance's valuation metrics are significantly less favorable. For instance, Bajaj Finance has a PE ratio of 34.9, while Life Insurance boasts a much more attractive EV to EBITDA of 8.92. Furthermore, the company's stock performance has lagged behind the Sensex, with a year-to-date return of -50.12% compared to the Sensex's 9.12%. This combination of poor financial ratios and underperformance relative to peers suggests that TruCap Finance is indeed overvalued in the current market.

How has been the historical performance of TruCap Finance?

TruCap Finance has experienced significant fluctuations in its financial performance, with net sales rising from 19.03 Cr in Mar'19 to 196.72 Cr in Mar'25, but operating profit peaked at 99.37 Cr in Mar'24 before dropping to 55.22 Cr in Mar'25, resulting in substantial losses in profit before and after tax for the latter year. Despite these losses, cash flow from operating activities improved to 211 Cr in Mar'25, recovering from a negative cash flow of -211 Cr in Mar'24.

Answer:<BR>The historical performance of TruCap Finance shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>TruCap Finance's net sales have shown a consistent upward trend, increasing from 19.03 Cr in Mar'19 to 196.72 Cr in Mar'25. Total operating income followed a similar trajectory, rising from 19.03 Cr in Mar'19 to 196.72 Cr in Mar'25. However, the company's operating profit (PBDIT) has been volatile, peaking at 99.37 Cr in Mar'24 before dropping to 55.22 Cr in Mar'25. Despite the growth in sales, the company reported a profit before tax of -71.16 Cr in Mar'25, a stark decline from a profit of 11.42 Cr in Mar'24. This trend continued with a profit after tax of -59.25 Cr in Mar'25, compared to a profit of 10.96 Cr in Mar'24. The total liabilities decreased from 917.03 Cr in Mar'24 to 683.39 Cr in Mar'25, while total assets also fell from 917.03 Cr to 683.39 Cr in the same period. Cash flow from operating activities was positive at 211 Cr in Mar'25, contrasting with a negative cash flow of -211 Cr in Mar'24, indicating a recovery in operational cash generation despite the overall losses.

How big is TruCap Finance?

As of 24th July, TruCap Finance Ltd has a market capitalization of 203.00 Cr and reported Net Sales of 196.71 Cr with a Net Profit loss of 64.56 Cr over the latest four quarters. Shareholder's Funds were 211.91 Cr and Total Assets were 917.03 Cr as of March 2024.

As of 24th July, TruCap Finance Ltd has a market capitalization of 203.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, TruCap Finance reported Net Sales of 196.71 Cr. However, it experienced a loss of 64.56 Cr in Net Profit during the same period.<BR><BR>The latest annual period for the balance sheet is March 2024, where Shareholder's Funds amounted to 211.91 Cr and Total Assets were reported at 917.03 Cr.

Who are the top shareholders of the TruCap Finance?

The top shareholders of TruCap Finance are Wilson Holdings Private Limited with 25.47%, individual investors with 36.46%, and six Foreign Institutional Investors holding 6.18%. The largest public shareholder is Ind Swift Laboratories at 4.74%, with no mutual funds currently invested.

The top shareholders of TruCap Finance include Wilson Holdings Private Limited, which holds the highest stake at 25.47%. Additionally, individual investors collectively own 36.46% of the company. Among institutional investors, six Foreign Institutional Investors (FIIs) hold a combined 6.18%. The highest public shareholder is Ind Swift Laboratories, with a holding of 4.74%. There are no mutual funds currently holding shares in the company.

What is the technical trend for TruCap Finance?

As of May 12, 2025, TruCap Finance shows a mildly bearish trend overall, with mixed signals from technical indicators, including a mildly bullish weekly MACD and bearish monthly indicators.

As of 12 May 2025, the technical trend for TruCap Finance has changed from bearish to mildly bearish. The weekly MACD is mildly bullish, which contrasts with the monthly MACD that remains bearish. The RSI shows no signal on the weekly chart but is bullish on the monthly. Bollinger Bands indicate a bullish stance weekly, while monthly data shows a mildly bearish trend. Daily moving averages are mildly bearish, and the KST is mildly bullish weekly but bearish monthly. Dow Theory supports a mildly bullish view on both weekly and monthly time frames. Overall, the current stance is mildly bearish, influenced by the mixed signals from the moving averages and the bearish monthly indicators.

Who are in the management team of TruCap Finance?

As of March 2020, the management team of TruCap Finance includes Karan Neale Desai (Joint Managing Director), Rakesh Sethi (Chairperson), and several independent and additional directors, along with company secretaries. This diverse team oversees the company's governance and management.

As of March 2020, the management team of TruCap Finance includes the following individuals:<BR><BR>1. Karan Neale Desai - Joint Managing Director and Whole Time Director<BR>2. Nirmal Vinod Momaya - Independent Director<BR>3. K P Raghuvanshi - Independent Director<BR>4. Manjari Ashok Kacker - Additional Independent Director<BR>5. Rakesh Sethi - Chairperson & Director<BR>6. Rajiv Kapoor - Additional Director and Additional Independent Director<BR>7. Fredrick Marian Pinto - Company Secretary<BR>8. Rohanjeet Singh Juneja - Managing Director and Joint Managing Director<BR>9. NIMIR KISHORE MEHTA - Additional Director<BR>10. Atwood Porter Collins - Additional Director<BR>11. Lalit Mohan Chendvankar - Company Secretary<BR>12. Abha Kapoor - Additional Director<BR>13. Geetu Gidwani Verma - Independent Director<BR>14. Sonal Sharma - Company Secretary & Compliance Officer<BR><BR>This diverse team includes various directors and secretaries, contributing to the governance and management of the company.

What does TruCap Finance do?

TruCap Finance Ltd is a Non-Banking Financial Company (NBFC) focused on the micro-cap market, previously known as Dhanvarsha Finvest Limited. As of March 2025, it reported net sales of ₹35 crore and a net loss of ₹68 crore, with a market cap of ₹149 crore.

Overview: <BR>TruCap Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap market segment.<BR><BR>History: <BR>TruCap Finance Ltd was incorporated in 1994 under the name Dhanvarsha Finvest Limited. The company underwent a name change to TruCap Finance Limited effective August 3, 2022. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 35 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -68 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 149 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 3.21 <BR>Return on Equity: -39.82% <BR>Price to Book: 0.92<BR><BR>Contact Details: <BR>Address: 3rd Floor A Wing 4 DJ House, Old Nagardas Road Andheri(E) Mumbai Maharashtra : 400069 <BR>Tel: 91-22-68457200 <BR>Email: corpsec@trucapfinance.com <BR>Website: http://www.trucapfinance.com

Has TruCap Finance declared dividend?

No Dividend History Available

Who are the peers of the TruCap Finance?

TruCap Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Baid Finserv, Indian Infotech, and Credent Global. TruCap Finance has below-average management risk, excellent growth, and the lowest 1-year return at -79.46% among its peers.

Peers: The peers of TruCap Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Baid Finserv, Indian Infotech, and Credent Global.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, and Muthoot Finance, while Average management risk is found at Jio Financial. Good management risk is noted at Shriram Finance, and Below Average management risk is seen at TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global. In terms of Growth, Excellent growth is seen at Jio Financial and TruCap Finance, Good growth is noted at Bajaj Finance and Cholaman.Inv.&Fn, while Average growth is observed at Muthoot Finance, and Below Average growth is found at Baid Finserv, Indian Infotech, and Credent Global. For Capital Structure, Excellent capital structure is present at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, and Credent Global, while Good capital structure is noted at Cholaman.Inv.&Fn, and Below Average capital structure is seen at TruCap Finance, Baid Finserv, and Indian Infotech.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.40%, while the peer with the lowest 1-year return is TruCap Finance at -79.46%. This indicates that TruCap Finance's 1-year return is significantly lower than that of its peers. Additionally, Baid Finserv, Indian Infotech, and Credent Global all have negative six-month returns.